New and Used
New and used airplanes can be financed and we handle loans for one airplane and larger fleet requirements.
Aircraft Finance - Jet Financing
Whether purchasing aircraft for private use or for commercial purposes, we have the expertise, resources, and capabilities to secure affordable aviation financing for your acquisition.
Why Jade Finance?
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Equipment Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Secure Tailored Airplane Loans with Access to Over 80 Lenders
As experts across all types of personal and business lending, we have the complete portfolio of airplane loans and access to over 80 lenders to find each buyer the right loan and the right lender.
We work with individuals and business to secure financing for private jets, planes for recreational flying, commercial aircraft financing for flight schools, corporations, cargo and tourist operators, air charter companies and operators in the agricultural sector. Aircraft loans are available for fixed wing and rotary aircraft, both new and second-hand, from all leading aviation manufacturers.
Introduction to Financing Your Aircraft Purchase
Aviation finance is available for the purchase of a wide range of aircraft - crop dusters, helicopters, single and twin-engine craft, private and business jets, sightseeing airplanes, cargo aircraft, seaplanes, acrobatic models and vintage airplanes.
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Credit Options
The type of aircraft and its purpose – for private or commercial use, can determine the type of credit facility.
Secured and Unsecured
Secured and unsecured loans are available for private aviators and the full range of commercial credit facilities for business operators.
All Aviation Businesses
We work with all types and sizes of aviation businesses to source and structure financing that meets their objectives.
Loan Type Considerations
Financing for private jets and other airplanes, and commercial aircraft financing, can present different considerations to financing other types of assets.
Industries and Goals
These can include the industry sector where the aircraft will be operated, the use or work to be carried out by the aircraft, the financial goals of the buyer and aspects of the credit applicant.
Specialist Lenders
Funding offers can vary across the lending sector. We have access to lenders that do specialise in financing for the aviation sector to ensure the most affordable rates and workable solutions are achieved.
Advantages of a Broker
With sharp financial acumen, our brokers are across the needs of business operators to achieve airplane planes that work with their cash flow and towards achieving the goals for their operation.
Discover Competitive Loans for Working and Recreational Aircraft
Utilising our expertise can greatly assist buyers achieve their preferred financing outcome. Contact us to discuss your specific requirements.
- Loans for private and commercial jets, charter operators.
- Financing helicopters and seaplanes for tourism sector.
- Crop duster and mustering aircraft loans.
- Loans for private recreational and acrobatic aircraft.
- Financing for flying school plans.
Equipment finance guides and resources
Our guides offer quick comparisons and simple explainers to help you fly through the financing process with confidence.
Equipment Finance
Specialised Equipment Finance
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How Aircraft Loans Work – Navigating the Aircraft Loan Process with Jade
Our specialist aviation finance brokers work with each client to successfully navigate through what may be a complex loan process. We handle all stages of the process from the initial contact. Lenders have varying criteria for approving finance and our brokers know the matrix used by our lenders. With our access to 80+ lenders, we match each client with the most suitable lender.
We assist with completing the application form for either personal or business finance. Lenders will be looking at the creditworthiness of the applicant when assessing the application and making any offer. Good credit applicants are rated at a lower risk and are typically offered the best rates and most workable terms. While achieving the lowest rates is integral to the overall outcome, the loan term can be critical to the repayments and the viability of the aircraft acquisition.
Using the leverage we have with our lenders, our brokers negotiate on behalf of our clients for the lowest rates and most suitable finance terms to meet their requirements. Applicants are required to provide financials and a range of documentation on their personal or business position. These may include tax returns, bank statements, BAS returns and similar documentation on the business. Personal loan applicants are required to provide income details, information on other debts and assets and a range of personal information.
Initial approval of the application may be received within 24 hours. Your Jade broker will then be working with you and our lender to structure the financing to optimise the tax deductions available, suit cash flow and to meet the target set for the return on the investment.
When the financing is finalised, we liaise with our lender and our client’s seller to arrange settlement and delivery of the aircraft. We handle aircraft loans for buyers around Australia, providing convenient and efficient online services to expedite application approvals.
The process is fast, efficient and streamlined, with clients benefiting from our extensive experience in aviation financing and the specialised expertise of our brokers. Applications can be made online or over the phone with one of our experts.
- Fast, streamlined airplane loans application process.
- Specialist brokers to handle the entire aviation finance process.
- Australia-wide services.
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Full Portfolio of Types of Aircraft Financing Options Available
As specialists in aviation finance, we provide customers with the full portfolio of loan options for fixed wing and rotary aircraft. The same credit facilities are available for both new and second-hand aircraft, subject to lender acceptance of the asset as suitable collateral.
Our Secured Aircraft Loans is typically the most suitable option for private buyers and provides a straightforward format and competitive rates. The aircraft is used as the collateral for the loan, and we secure fixed low rates, negotiated fixed terms and workable fixed repayments.
Where the aircraft is not accepted or available as collateral, we offer buyers the option of an Unsecured Personal Loan. The interest rates are higher than for secured options, but the flexibility of not having the aircraft committed as collateral, can be extremely attractive to many aviators.
Commercial operators have the choice of Leasing, Chattel Mortgage, Rent-to-Own and Hire Purchase credit facilities. The suitability of each facility will depend on the accounting method used by the operator and the approach to tax and balance sheet.
While Chattel Mortgage and Hire Purchase offer the lowest rates in commercial finance, Leasing provides the flexibility of not having the asset appear in the company balance sheet. Tax deductions are available on all commercial credit facilities and balloon and residuals negotiated to suit ownership cycles and resale value.
New and small aviation operators that do not meet all the standard lender criteria can access our Low Doc and No Doc Aircraft Finance through our specialist non-bank lenders. For a quote on your specific aircraft loan, contact us by phone or online.
- Aircraft Lease, Chattel Mortgage, Hire Purchase.
- Secured Airplane Loans for private buyers.
- No Doc and Low Doc Commercial finance for new operators.
- Individually sourced and structured aviation financing.
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![Small plane flying through clear skies leaving a trail behind]()
Streamlined Steps to Secure Affordable, Low Rate Aircraft Loan
Utilising our services provides an efficient and streamlined way for individuals and businesses to acquire financing to purchase aircraft. Rates, terms and approval criteria vary considerably across the lending market. When individuals undertake the process of comparing loans by requesting quotes, the procedure can be time-consuming, confusing and may potentially lead to damage to the credit rating. Using our broker services provides a fast and efficient way to the best rates and deals on the market without impacting the applicant’s credit profile.
As an initial pre-application step, buyers can use our Finance Calculator to work up estimates to prepare budgets and make decisions around which aircraft to purchase. Requests for quick quotes can be made directly to us, no referral is required to use our service.
In completing the application form, we emphasise the importance of preparing and providing thorough and detailed documentation. The more information lenders have on the individual or business financial position, the faster the approval and potentially, the better the offer.
We guide applicants through the application process, providing advice on the documentation to provide to ensure the best outcome. Submitting an application with us is on a no obligation basis. When an offer is received, the decision to proceed or not, is totally with the applicant. Submit your application to find out the low rate airplane loan offer we may source for your purchase.
- Easy process with expert assistance.
- 24 hour initial application approval.
- Streamlined procedure for personal and commercial aviation finance.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 19/09/2024 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.
We work harder to secure the best rates.
Aircraft Finance FAQs
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Subject to lender approval, all types of new and used, fixed wing and rotary aircraft may be purchased with finance.
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Individuals requiring financing for private aircraft can select from a Secured Airplane Loan or an Unsecured Personal Loan.
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Commercial aviation operators and businesses acquiring aircraft can select the most suitable credit facility from Chattel Mortgage, Leasing, Rent-to-Own and Hire Purchase.
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Secured personal loans and commercial financing products use the aircraft as collateral against the funding. Lender guidelines and criteria around approval will determine if additional collateral or personal guarantee is also required.
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Yes. The same credit facilities are available for funding both rotary and fixed wing aircraft.
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Loan terms are subject to individual lender assessment of the application. Terms of up to 7 years are typically approved.
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Leasing and Rent-to-Own airplane finance has tax deductible monthly payments. Aircraft financed with Chattel Mortgage and Hire Purchase are depreciated to deliver a tax deduction. Interest charges and lender fees are tax deductible.
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New operators that do not have the full documentation and trading history to meet lender criteria may seek No Doc and Low Doc commercial financing through specialist brokers.
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Aircraft buyers can use an Aircraft Finance Calculator to calculate repayment estimates and compare loans.
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Self-employed operators will full documentation and a good credit profile, can be eligible for offers at competitive interest rates. Providing detailed documentation can enhance the application and prospects.